Zensurance is a Toronto-based digital commercial insurance brokerage founded in 2016 that sells small-business and freelancer coverage online across every Canadian province, placing risk with Canadian carriers rather than underwriting it. Its book is commercial property and casualty — general and commercial general liability, professional liability and errors and omissions, cyber liability, directors and officers, commercial property, commercial auto, builder's risk, and a long tail of trade- and profession-specific packages — sold through a quote-to-bind web flow marketed as an instant online price with licensed broker support and claims advocacy behind it. It sits in the thin digital-broker layer beneath Canada's Big-Few carrier oligopoly, in a market with no open-insurance mandate — OSFI supervises federally-regulated insurers prudentially while FSRA, the AMF, and the other provincial regulators own market conduct, and Consumer-Driven Banking excludes insurance outright. Its API posture reflects that. Zensurance publishes no public, self-serve developer portal, no reference documentation, and no downloadable OpenAPI, Swagger, GraphQL, or AsyncAPI definition. The company's partnership page advertises "seamless API integrations and co-branded white-label tools" for distribution partners, but the only route to that surface is a partnership application form — the integration is partner-gated and privately negotiated. A first-party host at api.zensurance.com answers on the public internet (HTTP 200, returning a bare version string, with a /health endpoint) but it is the undocumented backend for Zensurance's own quoting and policy application, not a published product API. No ACORD, AL3, ACORD XML, NGDS, or agency-management-system integration claim appears anywhere on the company's public web properties. The one machine-addressable surface the company does publish for automated consumers is an llms.txt at www.zensurance.com/llms.txt — a 178KB marketing index of its pages, blog posts, and FAQs (which inadvertently lists its zenstage.wpengine.com staging host rather than the production domain). It describes insurance products for AI assistants; it documents no API.
Zensurance is profiled on the APIs.io network. Tagged areas include Insurance, Canada, Insurtech, Brokers, and Property and Casualty.
Zensurance’s developer surface includes engineering blog, support, signup flow, and 10 more developer resources.
Regulatory Posture applies to this provider. Its tags matched the
Insurance regime, so
Regulatory Posture carries 15 points of the composite.
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applicability map is public and we will correct it.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for
this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero:
never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and
several others — scorable at all.
The six quality facets above are damped to 85 points between them,
because the conditional facet above carries the other
15. That is why each facet's contribution is shown against a damped
maximum: raising a quality facet moves the composite by 85% of its nominal
weight, not 100%. The full arithmetic is at apis.io/rating/.
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aid: zensurance
url: https://raw.githubusercontent.com/api-evangelist/zensurance/refs/heads/main/apis.yml
name: Zensurance
kind: company
description: Zensurance is a Toronto-based digital commercial insurance brokerage founded in 2016 that sells small-business
and freelancer coverage online across every Canadian province, placing risk with Canadian carriers rather than underwriting
it. Its book is commercial property and casualty — general and commercial general liability, professional liability and
errors and omissions, cyber liability, directors and officers, commercial property, commercial auto, builder's risk, and
a long tail of trade- and profession-specific packages — sold through a quote-to-bind web flow marketed as an instant online
price with licensed broker support and claims advocacy behind it. It sits in the thin digital-broker layer beneath Canada's
Big-Few carrier oligopoly, in a market with no open-insurance mandate — OSFI supervises federally-regulated insurers prudentially
while FSRA, the AMF, and the other provincial regulators own market conduct, and Consumer-Driven Banking excludes insurance
outright. Its API posture reflects that. Zensurance publishes no public, self-serve developer portal, no reference documentation,
and no downloadable OpenAPI, Swagger, GraphQL, or AsyncAPI definition. The company's partnership page advertises "seamless
API integrations and co-branded white-label tools" for distribution partners, but the only route to that surface is a partnership
application form — the integration is partner-gated and privately negotiated. A first-party host at api.zensurance.com answers
on the public internet (HTTP 200, returning a bare version string, with a /health endpoint) but it is the undocumented backend
for Zensurance's own quoting and policy application, not a published product API. No ACORD, AL3, ACORD XML, NGDS, or agency-management-system
integration claim appears anywhere on the company's public web properties. The one machine-addressable surface the company
does publish for automated consumers is an llms.txt at www.zensurance.com/llms.txt — a 178KB marketing index of its pages,
blog posts, and FAQs (which inadvertently lists its zenstage.wpengine.com staging host rather than the production domain).
It describes insurance products for AI assistants; it documents no API.
deliveryModel:
model: saas
open_source: false
commercial: true
callable_host: false
label: Hosted service · you call their endpoint
confidence: medium
source:
- pricing
generated: '2026-08-28'
method: derived
accessModel:
pricing: unknown
onboarding: unknown
trial: false
try_now: false
public: false
label: Unknown
confidence: low
source:
- security
generated: '2026-09-02'
method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Canada
- Insurtech
- Brokers
- Property and Casualty
- Commercial Insurance
- Small Business Insurance
- Cyber Insurance
- Digital Brokerage
- Partner Gated
tags_raw:
- Insurance
- Canada
- Insurtech
- Broker
- Property and Casualty
- Commercial Insurance
- Small Business Insurance
- Cyber Insurance
- Digital Brokerage
- Partner Gated
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis: []
common:
- type: Website
url: https://www.zensurance.com/
- type: Blog
url: https://www.zensurance.com/blog
- type: BlogRSS
url: https://www.zensurance.com/feed
- type: Partners
url: https://www.zensurance.com/zensurance-partnerships
name: Zensurance Partnership Program
description: Partner program page. Advertises "seamless API integrations and co-branded white-label tools" for distribution
partners, but exposes no documentation, no endpoints, and no specification — access is by partnership application form
only.
- type: CustomerPortal
url: https://app.zensurance.com/
name: Zensurance Customer Application
description: Authenticated first-party web application for quoting and managing policies. Login wall, not a developer surface.
- type: GitHubOrganization
url: https://github.com/zensurance
name: Zensurance Inc.
description: Public GitHub organization ("Toronto based Insurtech startup"). Repositories are internal tooling, Google Apps
Script templates, and forked Azure AI samples — no API definitions or client SDKs published.
- type: Careers
url: https://www.zensurance.com/careers
- type: PrivacyPolicy
url: https://www.zensurance.com/privacy-policy
- type: TermsOfService
url: https://www.zensurance.com/terms-of-use
name: Terms of Service
description: Public terms of service for the Zensurance website and customer application. Verified HTTP 200 on 2026-07-25.
- type: Support
url: https://www.zensurance.com/contact
name: Contact Us
description: Public contact page — phone, email, and broker contact form, plus 24/7 claims support. Zensurance also runs
a Zendesk instance at zensurance.zendesk.com, but its help centre is not public (/hc/en-us returns 403; the root redirects
to a sign-in wall), so the contact page is the only open support channel.
- type: SignUp
url: https://www.zensurance.com/quote
name: Get a Quote
description: Self-serve quote-to-bind entry point, which is how a customer account is created. This is the consumer sign-up
path — there is no developer or API sign-up, and no partner API onboarding outside the partnership application form.
- type: LLMsTxt
url: llms/zensurance-llms.txt
name: Zensurance llms.txt
description: Harvested verbatim from https://www.zensurance.com/llms.txt (HTTP 200, 178KB). A marketing index of pages,
blog posts, and FAQs for AI assistants — no API, endpoint, or developer content in it. Its links point at the zenstage.wpengine.com
staging host rather than www.zensurance.com.
- type: DomainSecurity
url: security/zensurance-domain-security.yml
name: Domain and transport security posture
description: Probed TLS/HSTS on www, api, and app hosts and DNSSEC/CAA/SPF/DMARC on zensurance.com. HSTS everywhere; no
DNSSEC, no CAA; SPF present, DMARC at p=quarantine; api and app negotiate TLS 1.2 only.
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
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